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Car Insurance in Utah: Rates, Minimums & How to Save (2026)
By ReliablePolicy Editorial Team
Utah drivers pay about $2,188 a year for full coverage — roughly 19% below the national average. Utah is a no-fault state that requires PIP, and it recently raised its liability minimum to 30/60/25. Here's the coverage you must carry, what Utahns pay, and how to find a cheaper rate.
Avg. full coverage
$2,188/yr
≈19% below U.S. avg.
Avg. minimum coverage
$831/yr
≈1% below U.S. avg.
State minimum
30/60/25
Raised + PIP required
Fault system
No-fault
PIP pays your injuries first
vs. U.S. average
−19%
Below national average
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Minimum coverage required in Utah
| Coverage | Required limit | Notes |
|---|---|---|
| Bodily injury liability | $30k / $60k | Raised minimum limits |
| Property damage liability | $25k | Required |
| Personal injury protection | $3,000 | Required — Utah is a no-fault state |
| Uninsured motorist | Optional | Offered; can be declined |
State-mandated minimum coverages. Source: Bankrate, “Minimum Car Insurance Coverage Requirements by State.” Verify current limits with your state insurance department.
Average Utah premiums by coverage level
| Coverage level | Avg. annual premium | vs. U.S. avg. | Notes |
|---|---|---|---|
| Full coverage | $2,188/yr | 19% below U.S. | Comp + collision included |
| Minimum coverage | $831/yr | ≈U.S. average | Includes required PIP |
Source: Bankrate, “Car Insurance Rates by State” (2026). National averages: $2,697 full coverage / $841 minimum coverage. Independent market estimates, not quotes.
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Utah estimated rates by driver profile (2026)
Estimates anchor each profile to Utah's average full-coverage premium and apply national rate-increase multipliers from public data — not quotes from any carrier.
| Driver profile | Est. annual premium | vs. clean record | Basis |
|---|---|---|---|
| Clean record, 30–45 | ~$2,188/yr | Baseline | State full-coverage average |
| One at-fault accident | ~$3,129/yr | +43% | 2,188 × 1.43 (Bankrate avg) |
| Speeding ticket | ~$2,713/yr | +24% | 2,188 × 1.24 (Bankrate avg) |
| DUI on record | ~$4,113/yr | +88% | 2,188 × 1.88 (Bankrate avg) |
| Young driver (18–24) | ~$4,376/yr | ≈2× | Roughly double (Bankrate avg) |
| Poor credit score | ~$3,720/yr | +70% | 2,188 × 1.70 (Bankrate avg) |
Multipliers (national averages, full coverage): at-fault accident +43%, speeding +24%, DUI +88%, age 18–24 ≈ 2×, poor credit +70% (Bankrate). Actual premiums are set by carriers on your individual profile.
Utah: what helps and what hurts your rate
In your favor
- ✓Full-coverage premiums run about 19% below the national average
- ✓Required PIP covers your medical costs regardless of fault
- ✓Higher 30/60/25 minimum gives better baseline liability protection
- ✓Competitive market with national and regional carriers
Works against you
- ✗Wasatch Front growth is pushing urban rates up
- ✗Winter weather raises collision claims
- ✗Credit history is a permitted rating factor
- ✗Required PIP adds to the cost of a minimum policy
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A closer look at car insurance in Utah
Utah's no-fault PIP makes its minimum more protective than bare-liability states, and the higher 30/60/25 liability floor improves baseline coverage further. Full coverage remains well below average. With Wasatch Front growth raising urban claims and credit affecting rates, comparison shopping is the most reliable way to capture Utah's lower baseline.
Bottom line
Utah is a below-average-cost, no-fault state with a recently strengthened minimum. Comparing carriers and keeping credit healthy is the best way to land a competitive Utah rate.
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Frequently asked questions about Utah car insurance
Disclaimer: ReliablePolicy is an independent lead generation and comparison service and is not affiliated with, authorized by, or endorsed by any insurance carrier or government agency. Coverage requirements change — always confirm current minimums with your state insurance department. Rate figures shown are independent market estimates based on publicly available data (primarily Bankrate) and are not quotes, representations, or guarantees of pricing by any carrier. By submitting your information, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile.
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